you swipe for the full amount, all cash rebates will be credited back to your credit card account
unless it mentions discount with XXX credit cards, they you will swipe the discounted amount

Thank you for your reply.
So what can i do after it credited back to my account? it means when i pay the bill i only pay the amount after the rebate?

I suggest pay the statement balance. The rebate will be credited later and will be offset by your next transaction.

oh, which means the amount of next transaction will be deduct bt the credited amount from the previous transaction. Correct?
can i collect the credit amount and use it when i wish or the credited amount from the previous transaction it must be use on the next transaction?

Thank you for your reply

You will still be charged RM100 for petrol.
The RM5 will be creditted back into your Credit Card account (depends on individual bank, you will get the Cash-Back either end of the month, on Statement Date, or accumulated to RMxx)

Thank you for your reply.
So i can actually withdraw my cash- back at the end of the month?

rebate meaning you will still have to pay RM100, and RM5 or 5% will be 'rebated' to your account later at the end of the month or statement date depending on the tyoe of card.

Rule of thumb: Do not withdraw cash from credit card. You might lose more then what you have earned from rebate.

I do not see the logic here. Why withdraw? The rebate will stay there, and your next swipe will clear it. Unless you plan to use it one time and cash out the rebate then stop the card. What do you intend to do?

This post has been edited by catsper: Mar 12 2012, 02:00 PM

Noted, thank you! withdraw money using credit card is stupid..
one more question i must use the rebate on the next swipe or i can accumulate it until i wanna use it??

Rebate are automatically credited back to your account. You do not control/accumulate it.

You will have visibility but not control. You can see the rebate has been credited if you have e-banking. That is all.

I see, thank you.. understand now. Then since it is not encourage to withdraw it. Then what can i do with the rebate??

You still do not see how it works. Let say I have a rebate of RM50 as outstanding balance. My next purchase is petrol for RM60.

So, I swipe the card, then my outstanding balance is only RM10 which means I get RM50 worth of petrol FREE. Understand?

OHHHHH, finnaly i got it...thank you sifu!

i am in new zealand now and the payment here using cc need to insert 4 digit passcode. anyone how do i obtain it?

I assumed u have specifically told them that you want credit instead of debit
our pin are 6 digits anyway, so maybe any forummer who have swiped at NZ before can help out?

i dun know the 6 digit pin for my cc =.=
cos normally in malaysia we just swipe and sign isn't it?

how about if we using debit card in new zealand? just key in the atm number?

wah, if I go NZ big problem for me as I don't even know a single of my credit cards pin number.

yujin86, please update us later if you manage to swipe your cards.

Depends on how the cc machine works...Some accepts debit cards as Visa and no need enter pin..
Some accepts as Debit card thus need the pin.

And the pin is the ATM pin.

is there any rule of thumb on the max credit limit for a credit card based on annual income? my current credit limit is 1.5x my monthly income and i wanna see how much i can request to increase the limit...